Amex C08 quick reference: American Express equivalent of Visa 13.1 — cardholder claims they didn't receive what they paid for. Merchant has 20 days to respond.
Cardholder's claim
"I didn't receive what I paid for, or I received only part of it."
Amex C08 covers non-receipt and partial receipt. Amex expects specific documentation formats — delivery confirmation + fulfillment timeline are minimum. Amex's response window is tighter (20 days) than Visa/MC.
Response deadline
20 days to submit representment. From the chargeback date.
Common triggers
- Package not delivered in expected window
- Partial shipment received (multi-item order)
- Digital goods not provisioned
- Package marked delivered but cardholder can't find it
Required evidence
Delivery proof (all items)
Tracking for every item in the order — partial receipt claims require per-item detail.
Fulfillment timeline
When each item was shipped.
Customer communication
Shipping/delivery notifications.
Typical win rates
| Scenario | Win rate | Notes |
|---|---|---|
| Full delivery proof (all items) | 60–75% | Amex expects documentation quality |
| Digital goods + access logs | 35–50% | Weaker without physical proof |
Win rates reflect Aurai's own book across Stripe, PayPal, and Shopify Payments as of July 2026, plus public MRC Global Fraud Survey 2024 baselines. Your results will vary.
Related reason codes
13.1Visa
Merchandise/Services Not Received
Cardholder claims they paid for merchandise or services but never received them by the expected delivery date. The most common ecommerce reason code.
4855Mastercard
Goods or Services Not Provided
Mastercard's equivalent of Visa 13.1 — cardholder claims they paid but never received goods or services.
RGDiscover
Non-Receipt of Goods, Services, or Cash
Discover's equivalent of Visa 13.1 — cardholder claims non-receipt of purchased goods or services.
Frequently asked questions
What does Amex C08 mean?
Amex C08 is the reason code for "Goods/Services Not Received or Only Partially Received." American Express equivalent of Visa 13.1 — cardholder claims they didn't receive what they paid for.
What's the response deadline for Amex C08?
Merchants have 20 days to submit representment. From the chargeback date.
What evidence is required to fight Amex C08?
Delivery proof (all items), Fulfillment timeline, Customer communication. Full detail in the Required evidence section above.
Can Aurai handle Amex C08 automatically?
Yes — Aurai detects the reason code, assembles the specific evidence stack for it, and submits before the deadline. 25% only on disputes we win.
Reason code details reflect the current Amex rules as of July 2026 and may change. Amex is a trademark of its respective owner. Aurai is independent and not endorsed by Amex. Always check the current official rules before acting on any specific tactic.